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Terms of Service

Last Updated: March 1, 2026

Welcome to StonkPro, operated by StonkPro Inc., a federal corporation incorporated under the laws of Canada. These Terms of Service ("Terms") govern your access to and use of our website, services, and applications (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. You must be at least 18 years old or the age of majority in your jurisdiction to use the Service. If you are using the Service on behalf of an entity, you represent that you have authority to bind that entity.

1. Acceptance of Terms

By accessing and using StonkPro, you accept and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Service.

2. Description of Service

StonkPro provides financial analysis tools, company data, valuation models, and related investment research features pulled from sources such as Financial Modeling Prep (FMP), SEC filings, and other public APIs. Our Service is designed for informational and educational purposes only.

2.1 Data Accuracy

While StonkPro employs robust data extraction and manipulation processes to maintain accuracy, we do not guarantee that all data will be error-free or up-to-date. Data may be delayed by up to 15 minutes or more. Users acknowledge that:

  • Financial data is provided "as is" without warranty of any kind
  • Data may contain errors, omissions, or delays
  • Data should not be used as the sole basis for investment decisions
  • Users are responsible for verifying data independently

3. Not Financial Advice

Important: The information provided through StonkPro is for informational and educational purposes only and should not be considered as:

  • Investment, financial, legal, tax, or accounting advice
  • An offer or solicitation to buy or sell securities
  • A recommendation or endorsement of any particular investment strategy
  • A guarantee of future performance or results

StonkPro is not registered as an investment advisor, dealer, or similar entity under Canadian securities laws (e.g., with the Ontario Securities Commission) or US laws (e.g., with the SEC or FINRA). You should consult with qualified financial, legal, and tax professionals before making any investment decisions.

4. User Accounts and Responsibilities

4.1 Account Registration

To access certain features of the Service, you may be required to create an account. You agree to:

  • Provide accurate, current, and complete information
  • Maintain and update your information to keep it accurate
  • Keep your password confidential and secure
  • Be responsible for all activities under your account
  • Notify us immediately of any unauthorized access

You consent to receive electronic communications (e.g., emails or in-app notices) for account-related matters, as permitted by law.

4.2 Prohibited Uses

You agree not to:

  • Use the Service for any illegal purpose or in violation of any laws
  • Attempt to gain unauthorized access to any part of the Service
  • Interfere with or disrupt the Service or servers
  • Use automated systems to access the Service without permission
  • Scrape, copy, or redistribute data in violation of these Terms
  • Reverse engineer or attempt to extract source code
  • Share your account credentials with others
  • Impersonate others, harass users, or upload malicious content

5. Intellectual Property Rights

5.1 Our Content

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, code, and software, are owned by StonkPro or its licensors and are protected by intellectual property laws. "StonkPro" is a trademark of StonkPro Inc.

5.2 Limited License

StonkPro grants you a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes in accordance with these Terms. Institutional or commercial use requires a separate license agreement.

5.3 User-Generated Content

Any notes, analyses, or other content you create using the Service remain your property. However, by using the Service, you grant StonkPro a worldwide, royalty-free, non-exclusive license to store, process, and use anonymized or aggregated UGC to provide the Service, improve features (e.g., via analytics or AI training), or for marketing purposes.

6. Subscription and Payment Terms

6.1 Beta Testing

During the beta testing phase, access to StonkPro may be provided free of charge or at reduced rates. Beta access may be terminated at any time without notice. Beta users may be asked to provide feedback, which becomes our property.

6.2 Future Paid Services

StonkPro reserves the right to charge fees for access to certain features or the entire Service in the future. You will be notified in advance of any such changes. Payments will be processed via third-party providers (e.g., Stripe) in CAD or USD. Subscriptions auto-renew monthly/annually unless canceled at least 30 days prior via account settings. Applicable taxes (e.g., HST/GST) will be added.

6.3 Refund Policy

Refund policies for paid services will be clearly communicated at the time of purchase. Generally, fees are non-refundable except as required by law (e.g., under Ontario's Consumer Protection Act).

7. Disclaimers and Limitations of Liability

7.1 No Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Warranties of merchantability or fitness for a particular purpose
  • Warranties of accuracy, reliability, or completeness of data
  • Warranties of uninterrupted or error-free service
  • Warranties that defects will be corrected

7.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STONKPRO SHALL NOT BE LIABLE FOR:

  • Any indirect, incidental, special, consequential, or punitive damages
  • Any loss of profits, revenue, data, or business opportunities
  • Investment losses or financial damages
  • Damages arising from your use or inability to use the Service
  • Damages arising from unauthorized access to your account

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID TO STONKPRO IN THE 12 MONTHS PRECEDING THE CLAIM, or CAD $100 if no fees were paid. We are not liable for force majeure events (e.g., natural disasters, cyberattacks, or government actions beyond our control).

7.3 Investment Risk Acknowledgment

You acknowledge that investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. You assume full responsibility for your investment decisions.

7.4 Indemnification

You agree to indemnify, defend, and hold harmless StonkPro, its officers, directors, and employees from any claims, losses, or damages arising from your violation of these Terms or misuse of the Service.

8. Third-Party Services and Links

The Service may contain links to third-party websites or integrate with third-party services (e.g., FMP APIs). StonkPro is not responsible for the content, accuracy, or practices of third-party sites or services. Your use of third-party services is at your own risk and subject to their terms and policies.

9. Data Sources and Providers

StonkPro aggregates data from various sources, including but not limited to SEC filings, market data providers, and other publicly available information. We make reasonable efforts to ensure data accuracy but cannot guarantee the reliability of third-party data sources. We may change data sources without prior notice.

10. Privacy and Data Security

Your use of the Service is also governed by our Privacy Policy. We take data security seriously but cannot guarantee absolute security. Please review our Privacy Policy for details on how we collect, use, and protect your information. In the event of a data breach, we will notify affected users as required by applicable laws (e.g., PIPEDA in Canada).

11. Modifications to Service and Terms

11.1 Changes to Service

StonkPro reserves the right to modify, suspend, or discontinue any part of the Service at any time without liability to you.

11.2 Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by posting the new Terms on this page, updating the "Last Updated" date, and emailing registered users or posting in-app notices. Your continued use of the Service after changes constitutes acceptance of the new Terms.

12. Termination

12.1 Termination by You

You may terminate your account at any time by contacting us or using account settings.

12.2 Termination by Us

We reserve the right to suspend or terminate your access to the Service at any time for:

  • Violation of these Terms
  • Fraudulent or illegal activity
  • Extended periods of inactivity
  • Any other reason at our sole discretion

12.3 Effect of Termination

Upon termination, your right to use the Service will immediately cease. We may retain certain information as required by law or for legitimate business purposes. We will delete your personal data within 30 days, subject to legal requirements.

13. Dispute Resolution

13.1 Informal Resolution

If you have a dispute with StonkPro, please contact us first to attempt to resolve the issue informally.

13.2 Arbitration

Any disputes that cannot be resolved informally shall be resolved through binding arbitration in accordance with the rules of the ADR Institute of Canada, conducted in Toronto, Ontario. You agree to waive your right to a jury trial or to participate in a class action to the extent permitted by law.

13.3 Exceptions

Either party may seek injunctive relief in court to protect intellectual property rights or confidential information.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.

15. Miscellaneous

15.1 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

15.2 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and StonkPro regarding the Service.

15.3 No Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

15.4 Assignment

You may not assign or transfer these Terms without our written consent. We may assign our rights and obligations without restriction.

15.5 Survival

Provisions regarding intellectual property, disclaimers, limitations of liability, indemnification, and governing law will survive termination.

15.6 Accessibility

We strive to make the Service accessible in compliance with applicable standards (e.g., WCAG 2.1).

Contact Us

If you have questions about these Terms of Service, please contact us at:

Email: [email protected]
Website: www.stonkpro.com